Creditor Lawsuit Bankruptcy Relief Options
When you get served with a debt collection lawsuit, the pressure changes fast. What felt like annoying calls and letters ...
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Nothing in this blog is intended to be taken as legal advice for your individual situation. You should seek an attorney for legal advice. Information is provided for general informational purposes only.
Top Benefits of Chapter 13 Bankruptcy
When you are behind on the mortgage, dodging collection calls, and worried your car could be taken next, the top ...
How to Stop Debt Collectors Legally
The phone rings before breakfast. Then again at work. Then a voicemail lands saying legal action may be next. If ...
What Happens After Chapter 7?
The calls stop. The court sends your discharge order. And then a question hits a lot of people harder than ...
How Title Loan Relief Works in Tennessee
A title loan can turn into a crisis fast. You hand over your vehicle title for a relatively small loan, ...
When Should I File Bankruptcy?
The question is usually not when should I file bankruptcy in some abstract sense. It is when do I stop ...
Best Debts for Chapter 7 Bankruptcy
When people ask about the best debts for chapter 7, they are usually asking a very practical question: which bills ...
How to Catch Up Mortgage Arrears Fast
Missing one mortgage payment can feel manageable. Missing two or three can make every call, letter, and knock at the ...
Chapter 13 vs Loan Modification
When your mortgage is behind and the foreclosure clock is ticking, the choice between chapter 13 vs loan modification is ...
Can Bankruptcy Stop Bank Levy?
If your bank account was frozen or emptied after a creditor levy, you are probably asking the right question at ...
Automatic Stay Protection Guide
The calls keep coming, the foreclosure date is getting closer, or your paycheck is already short because of a garnishment. ...
How to Stop Bank Levy Before Money Is Gone
One day your debit card works, and the next day your account is frozen. That is usually how people find ...
Can Bankruptcy Stop Payday Loans in Tennessee?
If your payday lender keeps calling, threatening lawsuits, or draining your bank account right after payday, you are not dealing ...
Bankruptcy or Debt Settlement?
When your phone will not stop ringing, your paycheck is being threatened, or the mortgage is behind, the question is ...
Bankruptcy Exemptions Tennessee Explained
When people in Memphis call our office, one of the first fears they bring up is simple - am I ...
Consumer Bankruptcy Process Guide
The phone keeps ringing. Your paycheck is short because of a garnishment. The mortgage company is sending default letters. If ...
Can You Keep Your Car in Bankruptcy?
If your car is the only way you can get to work, pick up your kids, or make it to ...
Bankruptcy vs Foreclosure Sale: What Stops It?
If your house is headed to the courthouse steps, the question is not abstract. It is immediate. In the real ...
Chapter 7 vs Chapter 13: Which Fits?
When people call about bankruptcy, they usually are not asking for a law school lecture. They want to know one ...
How Bankruptcy Saves Your Car
The tow truck usually shows up at the worst possible time - before work, after a late payment, or right ...
How to File Chapter 7 Without Costly Mistakes
If you are searching for how to file chapter 7, chances are this is not a casual research project. You ...
Can Bankruptcy Remove Medical Bills?
A single hospital stay can leave you with bills that feel impossible to catch up on. If you are staring ...
How to Stop Foreclosure Fast in Tennessee
When the foreclosure notice shows up, most people do not need more theory. They need to know how to stop ...
Filing Bankruptcy With No Money in Memphis
When your paycheck is already gone before it hits the bank, filing bankruptcy with no money can sound impossible. That ...
Bankruptcy Filing Costs in Memphis
If you're behind on bills, dodging collection calls, or worried about losing your home or car, bankruptcy filing costs may ...
Chapter 7 Filing Process Guide for Memphis
The calls keep coming. Your paycheck may already be hit by garnishment. A foreclosure notice might be sitting on the ...
How Bankruptcy Stops Garnishment Fast
Your paycheck is already spent before it hits your bank account. Rent, groceries, gas, daycare, medicine - then a garnishment ...
How Chapter 7 Clears Debt in Tennessee
The phone keeps ringing. Your paycheck is short because of a garnishment. Credit card balances keep growing even though you ...
How to Save Home From Foreclosure Fast
The foreclosure notice on your door is not a warning to think about this next month. It is a deadline. ...
Memphis Bankruptcy Lawyer for Fast Relief
When your paycheck is being garnished, your mortgage company is calling, or your car is one missed payment away from ...
Zero Down Chapter 13 Lawyer in Memphis
When your paycheck is already spoken for and the mortgage company is threatening foreclosure, coming up with a big lawyer ...
How Much Debt to File Bankruptcy?
If your paycheck is gone before the month is over, your phone will not stop ringing, and you are choosing ...
Bankruptcy Means Test Explained Clearly
If you are already behind on bills, getting sued, or worried about losing your car or home, the last thing ...
What Debts Survive Bankruptcy?
Nobody files bankruptcy because life is going smoothly. Most people come in when the pressure is already high - wages ...
Why a Chapter 13 Lawyer Matters
When foreclosure is days away, your paycheck is being garnished, or your car lender is threatening repossession, waiting usually makes ...
How to Qualify for Chapter 7 in Tennessee
If your paycheck is gone before the month is over, creditors are calling, and you are choosing which bill can ...
Chapter 13 Repayment Plan Explained
If you are behind on your mortgage, catching calls from creditors, or watching your paycheck shrink from garnishment, the words ...
How to Rebuild Credit After Bankruptcy
The first surprise for many people is this: your credit can start improving sooner than you think. If you have ...
Who Qualifies for Chapter 13 in Tennessee?
If you are behind on your mortgage, getting hit with wage garnishment, or watching creditors drain every paycheck, one question ...
What Debts Chapter 7 Clears
If your phone will not stop ringing, your paycheck is being hit by a garnishment, or you are staring at ...
Bankruptcy for Title Loan Debt in Tennessee
A title lender does not need much time to put you in a crisis. Miss a payment, fall behind on ...
Bankruptcy for Payday Loan Debt in Memphis
When payday lenders are pulling money out of your account, calling nonstop, or threatening lawsuits over a loan that was ...
Bankruptcy for Medical Debt Relief in Memphis
A trip to the ER, a surgery you did not plan for, or a hospital stay that insurance did not ...
Can Chapter 13 Stop Repossession?
A tow truck showing up in the middle of the night is not the time to start guessing about your ...
Chapter 7 Credit Card Debt Discharge Explained
If your credit cards are maxed out, collectors are calling, and minimum payments are getting you nowhere, a chapter 7 ...
Can Bankruptcy Stop Wage Garnishment?
A paycheck that comes up short can turn a bad month into a crisis fast. If you are asking, can ...
How Chapter 13 Stops Foreclosure Fast
If your mortgage company has sent default notices, scheduled a sale date, or refused to work with you, you need ...
Can Bankruptcy Stop Creditor Harassment?
When your phone will not stop ringing, your mailbox is full of collection letters, and every paycheck feels threatened, the ...
Myths about Chapter 13 bankruptcies: What you need to know.
If you're considering filing for Chapter 13 bankruptcy, you may have heard a lot of conflicting information and opinions about ...
How to keep from being evicted in Tennessee.
Communicate with your landlord: Reach out to your landlord as soon as possible to explain the situation. Be honest about ...
Late on Mortgage Payments? How to Save Your Home in TN
I live in Tennessee and own a house with a mortgage on it. I am several months late with my ...
Why you need an emergency fund and what amount it should be?
An emergency fund is a financial safety net that helps you handle unexpected expenses or financial setbacks without having to ...
Bankruptcy Can Provide a Sense of Relief
Bankruptcy can provide a sense of relief from the emotional and mental burden of being in debt. The Emotional Burden ...
How long to pay off your credit card.
The Reality of Minimum Credit Card Payments If you owe $20,000 on your credit card and only make the minimum ...
Sincerely yours,
Arthur Ray
Arthur Ray Law Offices
We are a debt relief agency. Our Bankruptcy Lawyers in Memphis, TN help people file for bankruptcy under the bankruptcy code.
*For those who qualify under federal law.